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Carolina B., age 52, works hard to cover her daily expenses. For the past ten years she has owned and run her own direct-selling clothes and shoes business. She often has trouble with customers who purchase goods on credit, not paying her for the orders they made, but she has still managed to generate a steady income stream from her business.

Carolina has requested a loan of PHP 15,000 to help her purchase additional inventory, including new clothes, shoes, etc. She hopes that the loan will enable her to continue to meet customer demands and hopefully attract additional business.

Carolina has been a member of the Center for Community Transformation (CCT) since 2005, and has consistently attended its weekly fellowship meetings.* She hopes that someday she will have her own house and be able to purchase a motorcycle tricycle so that her children can use it to generate additional income.

* All CCT community partners / clients are organized into fellowship groups that meet on a weekly basis. A fellowship group is composed of fifteen to thirty community partners. The fellowship groups gather each week to study the Word of God, build social capital, and repay micro-finance loans.

Additional Information

About the Center for Community Transformation

The Center for Community Transformation (CCT) is dedicated to the development of communities and lives via spiritual transformation and access to financial services. CCT offers loan products to address the needs of micro-entrepreneurs in the Philippines. The organization’s loan products include small business, education, and housing loans. CCT utilizes a community-based approach to provide a variety of non-financial services that include training and development programs, clinics, disaster relief operations, a low-cost medicine program, and social service programs. CCT offers a unique “Pavement Dweller” program designed to provide food, housing, and job training. CCT also provides education support services to the poorest groups in the Philippines. Find more information about CCT on their website or join their lending team.

About Philippines

  • $7,000
    Average annual income
  • 330
    View loans »
    Philippines Loans Fundraising
  • $70,768,400
    Funds lent in using Kiva
  • 44.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Carolina to purchase additional inventory.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 25, 2010
Sep 10, 2010
Currency Exchange Loss:
Mar 15, 2011